| Thursday, September 2, 2010 |
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| Elective Health Care
If you are considering a rhinoplasty, liposuction, breast enlargement or breast reduction, you're in good company. Plastic surgery continues to be more popular than ever: in 2006 alone, nearly 11 million of these procedures were performed in the United States. But deciding to have an elective surgical procedure, such as a rhinoplasty or liposuction, can be a costly choice. Unless your surgery is classified as reconstructive (such as the removal of a tumor), or you can prove that your health may be at risk without a cosmetic operation, few health insurance policies will cover these expenses. This coverage is typically extended only in exceptional circumstances, and may not cover the full cost of the procedure.
Request a free health insurance quote today! >> What the Insurance Agencies CoverUsually, health insurance companies will extend coverage to elective surgeries only in the following exceptional circumstances:
You would have to check with your health insurance provider, or prospective provider, in order to find out whether these elective procedures are covered in your plan, and how much of the total bill would be covered. But for operations that are purely cosmetic in nature, you may wish to take out an alternative insurance plan to help you with the cost.
Request a free health insurance quote today! >> Alternative Insurance Options for Elective SurgeriesEven though most cosmetic operations are not covered by patients' existing health insurance policies, there are alternative coverage plans that will cover the costs. Before you make an appointment to have a cosmetic operation, you should learn about these alternative coverage insurance policies. The amount of coverage that an alternative insurance plan extends for elective procedures varies between providers, so make sure you know your options. By requesting a quote today, you may be able to get the surgery you want—for less.
See how much you can save: get a free health insurance quote! >> |
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Key Facts... From 1999 to 2009, employer-sponsored family health insurance premiums increased 131% and the average annual cost of coverage went from $5,791 to $13,375. You may be able to lower costs by switching to a private plan. Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits, 1999-2009. The Recession of 2008-2009 meant that 6.9 million people lost their employer-sponsored insurance. Of those, 3 million became uninsured. Source: Based on John Holahan and Bowen Garrett, "Rising Unemployment, Medicaid, and the Uninsured." Among 300 million Americans, 15% are uninsured, 52% have coverage through an employer, 27% are covered under Medicare/Medicaid, and only 5% have private non-group coverage. Are you insured? If not, then request a quote today. Source: Kaiser Commission on Medicaid and Uninsured/Urban Institute analysis of March 2009 CPS. Average premiums for health insurance coverage range widely from state-to-state. In New York, annual premiums are an average of $6,630, while in Iowa they are $2,606. Find out how much you can save by requesting a quote. Source: AHIP Center for Policy and Research. "Individual Health Insurance 2009." |
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